| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | — | $125K | $125K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 2101 6TH AVE N FL 7 STE 725 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $174K | $39 | $174K | 5.59% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $91K | $91K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46K | $46K | 1.50% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $31K | $92K | 7.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80K | $20K | $100K | 12.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $54K | $6K | $60K | 23.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $39K | $4K | $43K | 23.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $36K | $4K | $40K | 25.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 7000 CENTRAL PKWY NE #700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $21K | 29.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS TOWERS WATSON SOUTHEAST INC EIN 62-1404453 BROKER | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | 29848 NETWORK PLACE CHICAGO, IL 60673 | $525K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 10,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 373 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 7,019 | $36.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,533 | $3.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 7,533 | $3.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,572 | $801K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,479 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,025 | $71K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,500 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,500 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.